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ORIGINAL MEDICARE (PART A & B)
Original Medicare is the closest to the basic structure created when Medicare was signed into law in July of 1965 and the coverage you will be assigned unless you choose another option (Medicare Advantage – Part C). Delivery of Medicare benefits is divided into Part A (inpatient hospital care) and Part B (outpatient medical care). You are automatically enrolled in Part A, with premiums collected with your payroll taxes on a quarterly or yearly basis.
Medicare Advantage (Part C)
One of the ways Medicare Advantage Plans control costs is by requiring the participant to utilize health care providers within a network in the HMO/PPO format. This can limit your ability to have coverage outside your network’s geographical boundaries. But with many national health insurance companies, travel may be less restrictive.
Medicare Supplement (Medigap)
Medicare Supplement (or Medigap) insurance plans are private insurance purchased to pay the out-of-pocket costs required under Original Medicare. These gaps in coverage include a sizeable Part A deductible that could be your responsibility several times per year (depending on the circumstances), as well as coinsurance, copayments, and excess charges. These can add up to thousands of dollars a year in the event of a serious illness, injury, or chronic condition.
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David
Lake Forest CA
“I couldn’t find insurance that I could afford, so I relied on health clinics near me. Since I found Essential Medicare, I can proudly say that I have coverage that I can afford.”
Terrance
Hartford CT
“Juan set us up with general coverage for my family that exceed our prior coverage and saved us a few bucks at the same time. Good Stuff.”
Erica
Austin TX
“We live in a time where coverage costs are rising a lot. I struggled a lot to find better coverage options in my price range. I would like to strongly recommend Essential Medicare as a terrific provider.”
